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Insurance Rates and Driving Records

One of the major determining factors for how much you pay for auto insurance is your New York driving record. Insurance premiums are based on how much of a risk your insurer believes you represent to them. Drivers that the insurance company feels are more likely to make a claim on their auto policy are charged more to account for the increased likelihood that the insurance company will have to cover a loss. If you have points on your New York driving record, you can expect your monthly premium to soar. The insurance companies won’t wait for you to accumulate 6 points on your license, either. They can start surcharging after the first ticket.

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